Where Our Work Concentrates
Major financial transitions expose weaknesses that portfolio performance alone cannot reveal. Our work focuses on decisions with significant consequences: how capital is allocated, how proceeds from a sale are deployed, and how income is sustained once earnings stop.
Portfolios are built and managed in-house using individual stocks and ETFs, with mandates ranging from aggressive growth to conservative. Allocation decisions are made against the client’s full balance sheet, not the portfolio in isolation. Positioning is reviewed regularly as markets and circumstances change.
Planning starts with the balance sheet. Assets, liabilities, business interests, real estate, and the cash flow connecting them. From there, we model the decisions ahead and evaluate the tradeoffs of each. The plan is revisited as circumstances change, not filed away.
The sale of a business or investment property is often one of the largest financial events a family will experience. We work with clients before the transaction to evaluate how proceeds may be allocated, what liquidity is needed, and how the resulting position fits the broader balance sheet. Coordination with the client’s CPA and attorney starts early, while there is still room to plan.
Moving from accumulating assets to drawing on them changes how a portfolio needs to be managed. We develop income strategies around spending requirements, withdrawal sequencing across account types, and the risk of drawing down assets during market declines. For business owners, that planning can begin years before retirement or a potential business sale.
Who We Work With
Our clients include business owners, corporate executives, physicians, real estate investors, and families managing multigenerational wealth. Many are actively accumulating assets while navigating increasingly complex financial decisions. Others are preparing for business transitions, retirement, or the transfer of wealth to the next generation.
Conversation
& Discovery
An introductory conversation to understand your balance sheet, your obligations, and the decisions ahead. We also ask who else advises you, including your CPA and estate attorney, so coordination starts from the first meeting.
Balance Sheet Analysis
We review your assets, liabilities, business interests, and cash flow to map your total balance sheet exposure. From there, we model the decisions ahead and identify where risk is concentrated.
Proposal
Review
We present the proposed financial plan and investment recommendations, explaining the rationale, risks, and tradeoffs. Clients have an opportunity to discuss the strategy and ask questions before implementation.
Implement
& Maintain
We open accounts, transfer assets, and build your portfolio in-house. The plan and portfolio are reviewed regularly, with adjustments made as markets and your circumstances change.
